Marietta attorney Diana Whipkey Young specializes in Divorce and Family Law, Personal Injury, and Criminal Defense.



All Georgia drivers must have auto insurance to comply with state laws. This does not mean everybody has adequate insurance because some drivers purchase the minimum coverage required while others take their chances and fail to purchase any insurance at all. If you are involved in an accident with an underinsured or uninsured driver and you receive injuries, you may have to file an uninsured motorist claim with your insurance company to help pay your medical expenses. A Marietta personal injury attorney can help you even with UM claims.


Uninsured Motorist Law in Georgia


All insurance companies are required by law to offer coverage protecting their clients against uninsured motorists. The coverage is included in your policy, but the level of coverage you have depends on how much you pay. You likely have minimum coverage against uninsured motorists unless you rejected this type of coverage in writing.


Filing a UM Claim


With this type of coverage, you can file a claim with your insurance carrier if your injuries occurred in an accident where an uninsured driver is at fault. Most of these types of policies will cover the following:


  • Medical expenses for treatment, recovery and rehabilitation
  • Lost income due to missed work
  • Disfigurement, pain and suffering
  • Decreased future earning capacity


Most of these policies do not cover the following:


  • Property damage to your vehicle, although you may have collision coverage to compensate you for these expenses
  • Punitive damages- This coverage varies according to the insurer and the policy, so you should learn the terms of your policy.


Claims Against Underinsured Motorists


If the policy held by the driver responsible for the accident does not cover your damages, you can rely on underinsured motorist insurance to cover the difference. This insurance kicks in after the other driver's coverage has been depleted. If your medical expenses and other damages add up to $100,000 but the other driver has coverage up to $50,000, you can file a claim for the remaining $50,000 against your insurance company.


Underinsured and Uninsured Motorists Lawyer


Insurance claims involving uninsured motorist coverage are complicated and technical. Insurance companies do everything they can to reduce their liability or even deny compensation. You stand a better chance of experiencing a positive outcome if you have an attorney who has experience handling these types of claims. You do not want to hire an inexperienced lawyer and take the chance that your claim is denied because of some tiny detail the attorney missed. If your lawyer fails to secure the maximum compensation allowed by law, you will have to pay for all the additional expenses yourself.


Experienced car accident attorney Diana Whipkey Young has filed multiple uninsured and underinsured motorist claims and understands the nuances involved with the law in this area.  With an experienced attorney on your side, you have a better chance of receiving the maximum compensation you are entitled to under the law.


If you have a claim to file and you live in or around Atlanta, GA, contact the Young Law Firm to set up your initial consultation with a qualified attorney.





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